Mada & STC Pay Integrationin Saudi Arabia
Mada and STC Pay are essential for any Saudi business accepting online payments. This guide explains how payment gateway integration works in KSA, which gateways to use, pricing, ZATCA invoicing sync, and how B-IT integrates Mada, STC Pay, Apple Pay, and BNPL into your app, store, or ERP.
Last updated: 2026
Why Mada & STC Pay Integration Matters in KSA
Over 95% of Saudi consumers use Mada for everyday payments. STC Pay, Apple Pay, Tamara, and Tabby are growing fast for e-commerce and services. Without proper payment integration, Saudi customers abandon checkout — and you miss sales. B-IT integrates licensed Saudi payment gateways into websites, mobile apps, POS, and ERP billing from Riyadh.
- Accept Mada — the dominant payment method in Saudi Arabia
- STC Pay wallet checkout for mobile-first Saudi users
- Apple Pay, Visa, Mastercard via Saudi-licensed gateways
- Tamara & Tabby buy-now-pay-later for higher conversion
- Auto-generate ZATCA-compliant invoices after payment
- Bilingual Arabic/English checkout for KSA customers
Saudi Payment Gateways B-IT Integrates
Licensed gateways commonly used for Mada and STC Pay in KSA
HyperPay
Popular Saudi gateway — Mada, Apple Pay, cards, and multi-currency for e-commerce and apps.
PayTabs
Strong KSA presence — Mada, STC Pay, cards, and invoicing features for SMEs and enterprise.
Moyasar
Developer-friendly Saudi gateway — quick Mada and card integration for startups and SaaS.
STC Pay
Direct STC Pay merchant API — ideal when wallet payments are your primary Saudi channel.
Tamara & Tabby
BNPL integration — split payments for retail, fashion, and service businesses in KSA.
Apple Pay
One-tap checkout on iOS — integrated alongside Mada through Saudi payment gateways.
Where Saudi Businesses Need Payment Integration
E-Commerce & Online Stores
Next.js and Shopify-style stores with Mada checkout, cart recovery, and order-to-invoice ZATCA sync.
Mobile Apps (iOS & Android)
In-app purchases, subscription billing, and STC Pay wallet flows for Saudi app users.
ERP & POS Systems
Hisab One and custom ERP — Mada at POS, online fee collection, and automatic ZATCA tax invoices.
School & Service Portals
Parent fee portals, clinic billing, and booking payments with Mada and STC Pay in Arabic/English.
Payment Integration Cost in Saudi Arabia
Typical development ranges (excluding gateway transaction fees)
Basic Gateway Integration
Single gateway (Mada + cards) on website or app — checkout, success/failure handling, basic receipts.
Multi-Gateway + ERP Sync
Mada + STC Pay + Apple Pay + BNPL with ERP/POS sync, refunds, webhooks, and ZATCA invoicing.
B-IT Full Stack Build
E-commerce platform, mobile app, or SaaS with payment integration built end-to-end by B-IT in Riyadh.
How B-IT Delivers Payment Integration in KSA
- Gateway selection — HyperPay, PayTabs, Moyasar, STC Pay based on your volume and stack
- Web checkout — Next.js e-commerce with Mada, STC Pay, Apple Pay, Tamara, Tabby
- Mobile SDK integration — iOS and Android native payment flows for Saudi users
- ERP/POS sync — payment webhooks tied to Hisab One or custom billing modules
- ZATCA invoicing — auto-generate Phase 2 compliant invoices after successful payment
- Testing & go-live — sandbox testing, PCI-aware architecture, bilingual checkout UI
FAQ
What is Mada payment integration in Saudi Arabia?
Mada is Saudi Arabia's national payment network. Mada payment integration connects your website, mobile app, or ERP system to accept Mada debit cards — the most widely used payment method in KSA. Integration typically goes through licensed payment gateways like HyperPay, PayTabs, Moyasar, or STC Pay's merchant APIs.
What is STC Pay and how do I integrate it?
STC Pay is a digital wallet widely used in Saudi Arabia. STC Pay integration lets customers pay via the STC Pay app at checkout — common for e-commerce, school fee portals, and service apps. B-IT integrates STC Pay merchant APIs into web and mobile checkout flows for Saudi businesses.
How much does Mada/STC Pay integration cost in Saudi Arabia?
Basic payment gateway integration (Mada + one card wallet) typically costs SAR 8,000–25,000 as a one-time development fee, plus gateway transaction fees (usually 2–3% per transaction). Multi-gateway setups with ERP sync, refunds, and ZATCA invoicing range from SAR 25,000–60,000+. B-IT provides free consultation and accurate quotes.
Which payment gateways support Mada in Saudi Arabia?
Major Saudi-compatible gateways include HyperPay, PayTabs, Moyasar, Amazon Payment Services, and STC Pay merchant APIs. Most also support Apple Pay, Visa, Mastercard, and buy-now-pay-later options like Tamara and Tabby. B-IT evaluates the best gateway for your business volume and technical stack.
Can Mada payments sync with ZATCA e-invoicing?
Yes. For Saudi businesses requiring ZATCA Phase 2 compliance, payment confirmation should trigger ZATCA-compliant tax invoices with QR codes and UUID. B-IT integrates payment gateways with ERP and POS systems (including Hisab One) so invoices are generated automatically after successful Mada or STC Pay transactions.
Does B-IT integrate payments into mobile apps and e-commerce?
Yes. B-IT integrates Mada, STC Pay, Apple Pay, HyperPay, Tamara, and Tabby into iOS/Android apps, Next.js e-commerce stores, SaaS platforms, school fee portals, and custom ERP billing modules — fully bilingual Arabic/English for Saudi customers.
Ready to Integrate Mada & STC Pay in Saudi Arabia?
B-IT's team in Riyadh integrates Saudi payment gateways into your website, app, or ERP — with ZATCA invoicing and bilingual checkout. Free consultation.